Commercial property loans and private mortgages

Commercial mortgage is a security description—not the complete loan

The property type, title, tenancy, ownership, location, condition, value and existing interests all matter. The business purpose and exit remain central even when the property has substantial equity.

Build the full transaction budget

Include deposit or equity contribution, stamp duty, legal and valuation costs, existing payouts, required works, holding costs and any GST or tax considerations identified by professional advisers.

What to prepare before you enquire

A clear first conversation is easier when you can explain the business purpose, the amount and timing you are considering, the property security available and how the loan would be repaid or refinanced.

Documentation varies with the scenario. fundU may ask for identity, ownership, property, liability and business information before it can decide whether a proposal is suitable. A low-document pathway does not mean no assessment or guaranteed approval.

• The exact business purpose and amount being considered
• The property offered as security and any debt already secured against it
• A realistic repayment or exit strategy
• Relevant contracts, notices, quotes, approvals or payout figures

How fundU approaches the scenario

fundU is the lender. It does not send your details to a panel of lenders or operate as a matching service. The credit team considers the purpose, security, supporting information and complete circumstances directly.

Every approval, loan structure and timeframe depends on the individual application. Enquiring does not guarantee approval, and property used as security may be at risk if the loan is not repaid.